One of the biggest clichés in the business world is that it takes money to make money. The fact that it is 100% true doesn't make it any less cliché. When people look to invest money their goal is obviously a return and the larger the better. The problem here is that large returns usually take a little larger initial investment which may be holding some of you back from taking the risk and making that profit. Here are 5 ways that you can take small risks and get smaller returns in order to build up seed money for bigger investments.

The concept of a CD ladder is actually fairly simple, the complicated part is trusting yourself and the bank in the long term. The idea is to build a “ladder” where your money is making the most interest possible, but is also available if you ever need it. So, how do you have your cake and eat it too?